I have read the forums and have found great comfort in knowing that I am not the only person in the world who has ever been sued by a company for a sum of money owed. I am at my wits end and don't know what to do. Any input or direction would be greatly appreciated. Here's my story: A year ago during a 5 month period of unemployment, my car was repossessed by First Virginia Bank. They sold it, and sent me the difference for which I was responsible -- $6068. I have avoided paying this debt and to my detriment, have forgotten about it until 2 weeks ago when my former landlord mailed me the Court papers that were delivered to my former residence. I don't know much legalese, but here is my understand of that piece of paper: I am sued by First Virginia Bank for a sum of $6068, in the Civil court of Virginia. The court date is August 13th. (I now live in DC, don't have a car, and the court date is held in Richmond, Virginia--about 3 hours away). On the piece of paper, it also says that the complaint was filed by an employee of the company, and I am NOT required to be present, unless I wish to dispute the case. (In which case, I know a default judgment would most probably be issued against me.) I called First Virginia and pleaded with them to drop the suit against me in exchange for complete payment in a year. They refused me and said it is company policy that they will not withdraw after filing suit, and that it protects the company. I even told them that I would file bankruptcy if I had my wages garnished, and they didn't seem to care that if I did that, they wouldn't receive a dime. They said, they only want judgment, and that they will not garnish my wages if I made payments. I don't trust them, and don't want a judgment hanging above my head until I pay it all off. I don't know what to do now. The only weapon I had (bankruptcy) didn't seem to work with them and they don't want to drop the suit against me. I am terrified of having a judgment filed against me, because that means if I as much as default by ONE payment, First Virginia Bank CAN garnish my wages, and I CANNOT afford to have my employer aware of this. What should I do?? Thank you for taking the time to read my story. If you know of any attorneys or agencies that can help me, please let me know. Thanks!